needsomehelp Posted November 29, 2007 Report Share Posted November 29, 2007 on October 23 i sent a DV letter to Expirian and to the CA (LVNV resugent) 4 days later i received the green cards for both of them. Yesterday i received the report from Expirian with the result of their investigations. All the accounts with LVNV appeared verified, however it has been over 30days and i haven't received the answer directly from LVNV. When i called Expirian this morning to ask them how the debt was validated since i personally hadn't received anything, they stated it was just verified as being legitimate. I requested to have it re-disputed and they refused ...what to i do next?please help .... Link to comment Share on other sites More sharing options...
Amerikaner83 Posted November 29, 2007 Report Share Posted November 29, 2007 Sounds like the DVs to LVNV were untimely - as such - they don't ever have to get back to you. Regarding EX - you should have disputed, NOT DVed. Regardless - EX does not have to give you any sort of "proof" that they validated... Link to comment Share on other sites More sharing options...
lovebug5 Posted November 29, 2007 Report Share Posted November 29, 2007 Agreed with the above. EX has been notorious for pulling this with me. They will not provide an exact method of verification on a few accounts, so I've had to push further with the OC's in question. Me and EX? It's a love-hate relationship. I love that they're reporting my positive TL's, but I hate them for not raising my score one point, unlike TU and EQ. Link to comment Share on other sites More sharing options...
KimPossible Posted November 29, 2007 Report Share Posted November 29, 2007 Ok, I'm confused. I have read here and in the book that under FCRA 611(a)(7) that the CRA must provide you with the method of verification with 15 days of your request. Is this a misprint in the book or has something changed? Link to comment Share on other sites More sharing options...
Amerikaner83 Posted November 29, 2007 Report Share Posted November 29, 2007 no you read correctly.The CRAs response to MOV: contact the creditor at the addy and phone number listed on your report. Link to comment Share on other sites More sharing options...
KimPossible Posted November 29, 2007 Report Share Posted November 29, 2007 So why is it in this case, that the opinion is, EX does not have to provide any MOV proof to needsomehelp? I do think that I would have written the request instead of calling though.And I do suspect that it would be difficult to call up and get a new investigation so quickly. Probably should give it a rest for 60 days and then come up with a new dispute reason. I think I would just go on to something else and then run this back through the cycle later. Link to comment Share on other sites More sharing options...
ABaldbrotha Posted November 29, 2007 Report Share Posted November 29, 2007 (edited) I have had this problem too. I was told by others on this board that you have to be a "pain in the a$$" and keep disputing. Eventually, they will delete. There is a recent post about this. They are suppose to re-investigate, otherwise declare your dispute "frivolous and irrelevant."This is where EX is bad.________Toyota k engine Edited May 15, 2011 by ABaldbrotha Link to comment Share on other sites More sharing options...
needsomehelp Posted November 29, 2007 Author Report Share Posted November 29, 2007 thank you all for your response; my response to LVNV was timely since i made the mistake to call them on 10.17.07 after i had seen them on my CR and spoke with jesse x1111 and she advised me i had 30 days to dispute the accounts i DV them on 10.23.2007 and received the green card 4 days later. so should i still wait and restart? Link to comment Share on other sites More sharing options...
merkurfan Posted November 29, 2007 Report Share Posted November 29, 2007 You did a timely DV, and they still verify with the CRA? Violation #1.. your going to have to keep pounding away at LVNV and the CRA. Send a second DV that says you still dispute the debt, are still wating for validation and you demand they follow the law and stop collection efforts. Link to comment Share on other sites More sharing options...
needsomehelp Posted November 29, 2007 Author Report Share Posted November 29, 2007 will do ....thanx merkurfan Link to comment Share on other sites More sharing options...
NewLife4Me Posted November 30, 2007 Report Share Posted November 30, 2007 Ok, I'm confused. I have read here and in the book that under FCRA 611(a)(7) that the CRA must provide you with the method of verification with 15 days of your request. Is this a misprint in the book or has something changed?Yeah , somebody shed some light on this. I was under the impression of this too. No answers of yet from anybody here?? Link to comment Share on other sites More sharing options...
merkurfan Posted November 30, 2007 Report Share Posted November 30, 2007 They do. but they don't. It would take a AG suing them to correct this. Link to comment Share on other sites More sharing options...
admin Posted November 30, 2007 Report Share Posted November 30, 2007 You have to push the bureaus with the MOV, sometimes it takes a phone call. If you get them to admit that they never directly contacted the information furnisher (and they never do), you kind of have them in a violation. CRAs are supposed to conduct a reasonable investigation, and using e-Oscar (which is what they do as standard procedure) has been deemed in court as not reasonable.http://www.creditinfocenter.com/creditreports/HowTheBureausInvestigate.shtml 1 Link to comment Share on other sites More sharing options...
rmuse00 Posted November 30, 2007 Report Share Posted November 30, 2007 I have to agree with you Kristy. It has been my experience that "persistence" is the key to a lot of the success in credit repair. I had to DV CA's more than once on most ocassions to let them know I am a consumer that is aware of my rights. Same thing with MOV requests. None of my requests were ever answered but had I gone to court I would have had proof that 2 of the 3 bureaus ignored all my request for MOV. Thank goodness, for them, I did not have to go that route. Just my 2 cents. Link to comment Share on other sites More sharing options...
ABaldbrotha Posted November 30, 2007 Report Share Posted November 30, 2007 (edited) Admin, yesterday I got a phone rep at TU to admit they don't validate correctly. She said, "Do you know how many people request validations a day here? We cannot make calls or write every debt collector you dispute. We verify electornically for your name and address." I got it on tape, but a bit scratchy. I got her name as well.What do you think? She stupid? Can I use that to get a headache trade off TU?________BUY E CIGS Edited May 15, 2011 by ABaldbrotha Link to comment Share on other sites More sharing options...
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